For the purpose of this question, the target age range is 20-30. Asking because I feel like I’m wasting my youth.
Put money aside for the future.
Protect your hearing. Listen to loud music in moderation and use earplugs in loud environments.
I’ve always had the anti-neighbour style setup. Much less harmful to your ears than headphones
Vote.
I’d also add participate in local politics. There’s no law saying a 20 year old can’t be any elected official but president.
There is, it’s the constitution. You can’t be a member of the House without being 25 or a senator without being 30.
However there exist countries with own constitutions outside of the US
Even in the US, state-level representation hardly counts as local. Neighborhoods, towns, counties, etc. all have people representing them.
It’s cool to care about and build up your community.
Wear. Sunscreen.
If you absolutely hate sunscreen for sensory reasons, check out UPF jackets and other clothing. I live in a place where the UV is 11+ every day in the summer and it works great without being suffocatingly hot. Being able to just throw a jacket on and go outside without worrying about sunburn is pretty great.
What is the material like, does it get hot inside? Is there a brand that you recommend?
The one I have is from REI and made of modal (similar to rayon, made from wood pulp), it’s the only one I’ve used but it feels very nice, soft, and lightweight. I don’t ever feel like I’d be better off not wearing it if I’m in direct sunlight, and sweat dries from it fairly quickly. I’ve been hot while wearing it but not any hotter than I would have been standing in the sun to begin with, you know? I’ve also never had it fail and result in a burn, and my dermatologist was enthusiastic about it when I brought up that I’d been using that instead of sunscreen.
The main reason I went with that brand was because I couldn’t find any non-polyester options anywhere else. There’s nothing wrong with them functionally, I just try to avoid polyester in general.
Don’t feel guilty if you don’t know what you want to do with your life.
The most interesting people I know didn’t know at 22 what they wanted to do with their lives,
some of the most interesting 40 year olds I know still don’t.
Oh yeah this one. Plus, wear a hat. My hairstylist found skin cancer on my scalp a year or two ago and now I have a bald spot where they removed it because scalp skin doesn’t have a whole lot of excess to close a wound. So cute. Thankfully, I can hide it, but it pretty much requires me to wear my hair up every day.
Eta: I feel like it should go without saying, but maybe doesn’t, that I was incredibly lucky that it was basal cell, not melanoma. A big scar is one of the best outcomes I could’ve had.
I recommend face moisturizer with SPF for all genders. Put it on every morning. Start young.
True. Nothing else in your skincare routine matters if you’re not wearing sunscreen.
Get sunscreen that you don’t mind applying in the morning. I love this one: www.amazon.com/dp/B09DGPRM22
Get sunscreen that you don’t mind applying in the morning.
Does it last all day or were you just suggesting morning because some people forget it until later?
Realistically you should reapply, but in the morning is a good start to the routine
Why?
20 years ago I would have said invest regularly in an index fund.
Today I think you should learn all you can about DIY water filtration and growing edible mushrooms in caves.
Have to invest points in radiation resistance.
Live alone and single at some point in your life.
It’s shocking how many people never learn to just be themselves, by themselves. And I don’t mean for a month or two. Get to know yourself before you settle in together with somebody else.
Learn a paid skill you can do with your hands. Welding, painting, HVAC, long-line fishing, building PC’s, anything. Get proficient.
You may never use it again. Hopefully you develop a skill-set that pays you better/is less physically demanding/is sexier.
But you will never starve and may be able to feed your family even if your primary occupation falls out of favor.
Save up an emergency fund. If you can manage to keep six months to a year’s worth of expenses in a savings account, it will give you a huge psychological cushion in rough times. Beyond that, save and invest as early as you can.
Learn how to do basic maintenance on a bicycle, car, motorcycle or whatever else in your life that you depend on. That knowledge and experience will pay dividends the rest of your life.
3-6 months is plenty. At the 6 months mark you take literally any job you can get and then keep looking for one that you want. The other site had a pretty good personal finance community. Their flowchart does a great job of summarizing things. https://i.imgur.com/lSoUQr2.jpeg
It might be plenty, depending on your emergency. But you never know when you might be asked to care for an ill family member, suffer a health setback yourself, or end up out of work in a soft labor market - which we are currently in. It’s a risk based decision, but as price-to-earnings of potential investments is currently incredibly high (suggesting unrealistically high future return expectations), I would hedge on the side of more savings rather than earlier investment.
– Acquire new skills that will pay off in the long run.
– Build habits like exercising, eating well, and prioritizing mental health which can set you up for lifelong well-being.
– Build deep friendships, relationships, and connections. It’s the decade where many lifelong bonds are formed.
– Learn about budgeting, saving, investing, and managing credit. Financial literacy will greatly benefit you in the future.
– Failing in your twenties is part of growth. Embrace failure and learn from it.
– Focus on collecting experiences, such as concerts, festivals, road trips, or spontaneous adventures, rather than material goods. For memories, don’t collect shot glasses, you’ll regret it later.
– Learn to enjoy your own company, reflect on your goals, and become comfortable with solitude.
– Work on understanding your emotions, how to manage them, and how to empathize with others.
– Expand your mind with literature, self-development books, and works that challenge your worldview.
– Spend an extended period in another part of the world which can give you an appreciation for different cultures and provide life altering experiences.
– Learn how to prepare your own meals- a valuable life skill which can help you live healthier.
– Understand the importance of looking after your mental, physical, and emotional well-being.
—Spend time thinking about where you want to go in life, and set both short-term and long-term goals.
Learn about retirement plans. Compound interest is a young person’s best friend. Compound interest makes rich old people.
“So live your life that the fear of death can never enter your heart. Trouble no one about their religion; respect others in their view, and demand that they respect yours. Love your life, perfect your life, beautify all things in your life. Seek to make your life long and its purpose in the service of your people. Prepare a noble death song for the day when you go over the great divide. Always give a word or a sign of salute when meeting or passing a friend, even a stranger, when in a lonely place. Show respect to all people and grovel to none. When you arise in the morning give thanks for the food and for the joy of living. If you see no reason for giving thanks, the fault lies only in yourself. Abuse no one and no thing, for abuse turns the wise ones to fools and robs the spirit of its vision. When it comes your time to die, be not like those whose hearts are filled with the fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song and die like a hero going home.”
- Tecumseh
Travel, live abroad if possible, and experience living in a big, culture-rich city. Unfortunately the economic realities of the 2020s are making this increasingly out of reach for many youth, but if you have the resources and opportunity, absolutely go for it. As you get older, responsibilities and lack of energy will likely sap much of your ability/desire to move around as much (this isn’t true for everyone, but it’s extremely common). Even if traditional travel is impractical for you, there still exists cheaper opportunities for exploration that are a bit off the beaten path, such as the WWOOF program.
Regardless of your situation/location, one thing that basically anyone can do is get involved in a cause. Find something you’re passionate about and throw yourself into it. Make sure it’s something that you can do in-person and not virtually… as in, there are local groups you can join for this cause, although if there aren’t you can always try making one or forming a local chapter of a larger org. With the right networking you’d be surprised how many other people will join you, especially for causes that involve your local community. This is a great way to meet other people, get to know the issues facing your neighborhood/city better, and learn to navigate your local government/NGOs. Again, as you get older responsibilities/exhaustion can make this sort of thing a lot harder.
experience living in a big, culture-rich city.
don’t move to a big city if you’ve never spent a significant amount of time in one. i don’t care how “culture-rich” it is. true, a lot of people love the noise, crowds, crime, stink, traffic, astronomical prices for literally everything, and all the other crap that’s tangled up in city life, but there’s no amount of money anyone could pay me to put up with even one of those things ever again. if you’re in your 20s, maybe you’ll love the night life. but that gets old quick. or you better hope it does…
I mean, obviously it’s not for everyone, but it’s important to actually experience urban living for yourself before deciding you hate cities. Especially given the political situation in the United States right now, where so many suburban and rural residents are bashing cities and urban living without having properly experienced it for themselves; I think there would be a huge bite taken out of the urban/rural divide if more people had experience living in cities, and got to personally see the good and the bad for themselves. Plus your twenties is a great time to learn street smarts, because that way you’ll be less likely to have a bad experience when you do visit a big city in the future, whether it’s for something fun like a concert or something serious like going to a medical specialist. There are a lot of basic lessons like “never ever leave anything visible in your unattended parked car”, how to use public transportation, being able to firmly say “no”, and general situational awareness that are just good life skills that city living forces you to pick up.
I’m not at a point in my life where I want to live in a big city anymore, but I’m so, so grateful that I did in my youth.
Save at least $30,000 for retirement within ten years of your first adult job.
If you can, put 15% of your check into your retirement every single check, at minimum.
That will set you up for retirement, especially if you’re entering the work force in your late teens or early twenties.
Grow some plants. Whether it’s a small succulent or a big lemon tree; it’ll definetly make your life more enjoyable watching them grow.
Seconded. Something you grow picked at it’s optimal time will nearly always taste better as well
Have sex with as many different attractive people as you can, using protection. You’ll understand when you’re older, feel older, and look older. It’s a window that doesn’t stay open.
